This is the last show of the current season. I will return in January with lots great new topics to share with you. With Christmas around the corner I wanted to finish this season concentrating on the family and family life. My guest last week was the wonderful Elizabeth O’Shea who gave so many great tips on what is like to parent a teenager who is struggling, and how

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I find myself having some of the most personal conversations with my clients that ensure that I never forget that while we may talk about business strategy or plans, tactics, processes, staff, financials. Behind it all is you, the person. And that person has relationships, responsibilities, stresses, doubts. Nothing can highlight those as much as money does. Over the next couple of weeks the Firmer Figures Show is taking a

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Would a lender give you a business loan? While getting investment is a goal for many small business people; the reality is that the majority of micro and small businesses are just not investible, or not at investment ready. So the option for them is still the traditional business loan or overdraft; unless you are lucky enough to have a rich relative. Bear in mind that to a bank; they

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  One of the big fall-outs of the 2007/2008 financial crisis was the way the banks stopped lending. If you imagine the banks as a castle, there were all these companies who had been waiting outside for the drawbridge to come down and rescue them, but instead they watched it get pulled up abruptly, without them on it. And at the very time they were at their most desperate. Even

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I am a great fan of bootstrapping, but there are some business models that just require cash more than others. Product-based businesses are an example. Bootstrapping does not often give you the reserves quick enough to act on an opportunity. Before you consider borrowing I would urge you to possibly rethink your business model and/or the opportunity you want to go after. You can assess whether you can approach things

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If you haven’t listened to the two previous episodes where I tell the stories of how I messed up with my first 2 attempts at renting premises, I would say to do that before this one. This is more of a to-do list. While it is essential to have knowledge, the reasons why you need the knowledge is just as, in fact maybe more, important. Because it will remind you

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Did you catch part 1 of My Horrendous business premises mistakes? You know what I am going to say don’t you? Go listen. Today I will tell how I got it wrong again. This time it was a combination of things. But still a steep learning curve and though I joke, it was a very dark time in my life. So I will give you the story and I will

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  Today I am going to share with you How to I rented my first premises from a “gangster” Why we had to quickly park up and leave secretly one night What is was like to find information when the internet was young Why you should be careful who you trust in business [spp-tweet tweet=” Who ever met a crook that told you they were a crook? Confessions of a

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Finding the right office or premises is one of the most important decisions a business owner ever makes. If you get it wrong, you can be left with a problem that can break your business. But the right premises can greatly improve how you are perceived by your customers, suppliers, investors, etc. If you have a good working environment you will be able to get and keep good staff. And

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  So you want to go into business with someone else or a number of people. Maybe you are looking at merging your business with another one. Partnerships, are they a great way to run a business or a disaster waiting to happen? I am talking about legal partnership arrangements, not to be confused with joint ventures, which can include temporary deals, collaborations and affiliations. That is a subject all

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